Several years ago, the wife and I were headed west on I-40 out of Albuquerque, doing 70-75mph. Some kid in an Escort passed us going considerably faster just as he was falling asleep. He drifted into the center and probably woke up and jerked the wheel. The tires caught the edge of the pavement and he rolled sideways a couple times, then did a couple end over end flips as I was jamming on the brakes (XJ with 20' travel trailer). He came to rest upside down on the right shoulder. I grabbed my fire extinguisher and ran up expecting to find a bloody mess, but by the time I got there he had already released his selt belt and climbed out, a bit shaken up and scratches on his arm, but otherwise OK. The car looked like it had gone part way thru a crusher. A nurse was right behind me and someone else had called 911, so we went on our way.
On the other side of the coin, 20some years ago I was in a boom truck when it rolled, and if we had been wearing our seat belts, all three of us would have had broken legs at least, as the dash was crushed into the seat. The truck was totaled, but none of us even needed stitches.
Personally, I feel naked driving without my seatbelt, since it seems there is an ever increasing percentage of morons on the road, especially in the Chicago area.